TINY HOME AND PARK MODEL FINANCING

from4.29%*APR with AutoPay

from 4.29%*

APR with AutoPay

Why LightStream?

Watch our video

$100 Loan Experience Guarantee1

We will beat any qualifying rate.2

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from to , for practically any purpose, as soon as today.3

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from to , for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee. Disclosure 1 to follow.

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate. Disclosure 2 to follow.

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

Watch our video

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from to , for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee1

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate.2

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

Low rates. Great service. That's Lending Uncomplicated.®

Fund or refinance your tiny home, at a low interest rate.

When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.2

Get a no-hassle loan with no fees, no down payment.

The unsecured LightStream loan has no fees or prepayment penalties. No down payment is required, and there are also no appraisals or home equity requirements.

We can fund your loan as soon as the day you apply.3

With LightStream, you’re in control of the lending process. You choose your funding date. In fact, you can even have funds deposited into your account as soon as the same day you apply.

Experience the refreshingly simple LightStream loan.

Check your rate, then apply from your smart phone, tablet or computer, and get a low rate on our virtually paperless loan, from to .

The LightStream Blog

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Unsolicited customer comments

The LightStream Experience

Unsolicited customer comments

First of all, my wife and I would like to thank you and your company for helping us realize our dream of buying a boat to sail the world! We both recently retired and this is our gift to ourselves. We'd heard from other boaters how user-friendly your services and reasonable your rates, and they weren't wrong. So again, thank you.

—K.B. & K.B. from Chantilly, VA

Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer.

—D.T. from Westwood, NJ

I have to respond to this confirmation just to say I cannot remember when I have been so impressed with the efficiency, simplicity, and design of anything! The period of 30 days is perfect. This is a very good deal for the boat I want, but is not confirmed as of yet. Wanted to secure the funds ahead of time. I will definitely return to your site for future needs, and recommend you to anyone who might need your services.

—D. M. from Newport, NC

Thank you very much for making our loan application a very enjoyable experience. We have never dealt with any business that has been as professional and efficient as this process has been. Getting the loan has been so much easier than dealing with the boat dealerships. Most seem to not care whether they sell a boat or not, and that is not the case with your organization. You’re NUMBER 1! You put your customers first. I’m not too proficient with the computer, but your instructions were easy to follow. Thanks again!

* Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 4.29% APR with a term of 3 years would result in 36 monthly payments of $296.53.

Maximum APR for a LightStream loan is 17.49%.

1 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire,
we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify
for the Loan Experience Guarantee.

2 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender’s rate meets the terms and conditions
described below:

Terms:

The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car buying services, or any other
similar third-party subsidized rate offerings.

The lender’s interest rate offer must be generally available to all of its customers who share a similar credit risk profile (so that employee-discount programs or other special, limited lending programs would not qualify).

LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.

Conditions:

The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.

You need to be approved for the other lender’s interest rate (APR).

If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document
containing the APR, or other documentation that LightStream finds sufficient.

This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding.

These terms and conditions are subject to change at any time.

3 You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide
us with your funding preferences and relevant banking information; and (3) complete the final verification process.

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.

In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.

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